Effective February 27, 2025
| **APY = Annual Percentage Yield | |||
| Account Type | Minimum Balance to Earn Dividends | Rate | APY** |
| Savings & Special Savings | $1,000.00 – $9,999.00 | 0.22% | 0.22% |
| Savings & Special Savings | $10,000.00 – $99,999.00 | 0.12% | 0.12% |
| Savings & Special Savings | $100,000.00 & OVER | 0.10% | 0.10% |
| Checking | $1,000.00 and OVER | 0.00% | 0.00% |
| Money Market | $2,500.00 – $49,999.99 | 0.32% | 0.32% |
| Money Market | $50,000.00 – $99,999.00 | 0.60% | 0.60% |
| Money Market | $100,000.00 – $249,999.00 | 1.55% | 1.56% |
| Money Market | $250,000.00 & OVER | 0.80% | 0.80% |
| Christmas Club | N/A | 0.10% | 0.10% |
| Restricted Christmas Club | N/A | 0.10% | 0.10% |
| Vacation Club | N/A | 0.10% | 0.10% |
Effective February 27, 2025
| **APY = Annual Percentage Yield | |||
| Term | Minimum Balance | Rate | APY** |
| 3 Month Cert. | $500.00 | 1.76% | 1.78% |
| 6 Month Cert. | $500.00 | 2.64% | 2.67% |
| 12 Month Cert. | $500.00 | 2.73% | 2.76% |
| 24 Month Cert. | $500.00 | 2.76% | 2.80% |
| 36 Month Cert. | $500.00 | 2.68% | 2.72% |
Effective February 27, 2025
| *APR = Annual Percentage Rate | |||
| Term | APR* | ||
| Share Secured Personal (Borrow up to 95% of available funds) Call for details | 3.00% over Share Rate | ||
| Share Certificate Secured Personal (Borrow up to 95% of available funds) Call for details | 3.00% over Certificate Rate | ||
Effective February 27, 2025
| *APR = Annual Percentage Rate | |||
| Term | APR* | ||
| Closed End Personal Signature Loan (Call for details) | 10.99% | ||
| Bill Consolidation (Call for details) | 12.00% | ||
| PayDay Assistance (PAL) 3 Month term. $20 application fee. | 28.00% | ||
| 24/7 Fast Cash – Anytime Loan | 18.00% | ||
Effective February 27, 2025
| *APR = Annual Percentage Rate | |||
| MasterCard® | Credit Limit | APR* | Variable APR* |
| Premier | $1,000 to $15,000 | N/A | 11.75% |
| Regular | $1,000 to $15,000 | 15.96% | N/A |
| Share Secured | $250 to $2,500 | 18.00% | N/A |
Effective February 27, 2025
| *APR = Annual Percentage Rate Note: Subject to credit approval. Not all applicants will qualify for the lowest rate. | ||||||
| Product Term | 36 mos / 3 yrs | 48 mos/ 4 yrs |
60 mos/ 5 yrs |
72 mos/ 6 yrs |
84 mos/ 7 yrs |
|
| New Auto Loans 2023 – 2025 Models |
As Low As 4.99%* | As Low As 5.49%* | As Low As 5.49%* | As Low As 5.99% * | As Low As 6.49%* | |
| Used Auto 2020 – 2022 Models |
As Low As 4.99%* | As Low As 5.99%* | As Low As 5.99%* | As Low As 6.49%* | As Low As 6.99%* | |
| New Motorcycle/ Watercraft/ATV 2024 – 2025 Models |
As Low As 9.25%* | As Low As 9.25%* | As Low As 9.25%* | N/A | N/A | |
| Used Motorcycle/ Watercraft/ATV 2023 – 2024 Models |
As Low As 9.75%* | As Low As 9.75%* | As Low As 9.75%* | N/A | N/A | |
Effective February 27, 2025
Prime Rate as of February 27, 2025 is 7.50%
| Product | APR* |
| Home Equity Line of Credit (HELOC)** “VARIABLE RATE” |
9.00% |
| 30 Year Conforming Fixed First Mortgage | Call for current rates |
| 15 Year Conforming Fixed First Mortgage | Call for current rates |
| *APR = Annual Percentage Rate. Based on loan amount of $200,000. **1.50% over Prime Rate for standard HELOC, OR 3.00% over Prime Rate for Credit Refresher or Non-Owner Occupied, with rates not lower than 5.00% and 7.00% respectively. | |
All rates subject to change without notice.
Rancho Federal Credit Union uses RISK-BASED PRICING. This loan interest rate structure applies to all new and used vehicle and unsecured loans, as well as our Home Equity Line-of-Credit program. Risk-Based Pricing is a system of pricing loans so that the interest rate charged to a member is based on the credit risk they represent. We are able to offer low-rate pricing to our lower risk members, and at the same time allow our higher risk members to obtain credit at a higher rate. The loan rate pricing structure is determined by each members own credit score as defined on their credit report issued by Experian. The Risk Based model used by this credit union is “Vantage.” To receive a free copy of your credit report contact Experian at the address below.
Experian
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013
1.888.397.3742
www.experian.com/reportaccess